13.5% reducing is high. SBI has it for around 11.5% or lesser. You can even see it on their website.
HDFC as far as i know (AFAIK) doesn't have a full or partial prepayment facility. Neither does ICICI. Try government banks. Corporation Bank, PNB all have good rates and sometimes good payments options as well. Only issue is they need a bit more paperwork and might take a couple of days longer. But far better than ICICI !!
There's a thread about this somewhere. Do a check.
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